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Answered 2005-11-24 03:54:24

If the only damage is to your car and the accident did not result in any property damage to anyone else then you can refuse payment and close the claim without settlement and should be able to avoid any negative impact on your rates. If on the other hand there is damage to another vehicle or property that will be paid by your insurance company then you might as well take what you can from your insurance company for your vehicle.

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